“Learn how to deal with collectors” speaks to our coaches’ ability to carefully assist clients who may not be current with some—or all—of their creditors. Though we don’t speak to creditors for our clients, coaches do help clients understand how they can best communicate with their creditors (early and often) to avoid overwhelm and reactive decision-making. Our coaches may also work with CFSB’s Loss Mitigation team on a case-by-case basis for help with particularly tricky scenarios.